Top CDs today offer up to 4.27% APY -- consider locking in a strong return now before rates drift lower as we get further into the new year.

Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates. CD ladders let you leverage high rates without locking up all of your ...

Average rates for certificates of deposit this month range from a ho-hum 0.23% for the shortest, 1-month terms, up to 1.76% for 1-year accounts, according to the latest government data. But for ...

Read on to learn about the best banks for CD rates in 2026.

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